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My Recent Bursts of Energy

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So, I’m 13 weeks pregnant and am finally having a couple of days in a row where I’m nauseous occasionally but haven’t been throwing up.  Woot!  Did I write several posts so I could finally not feel behind on the blogging?  Nope.  Did I try to grow the pet sitting business in some miraculous way?  Nope.  Did I find a path to world peace or do the million errands pregnant people need to do before a baby comes wailing out of me?  Nope. I picked up my little downstairs domain of the house, assembled and decorated our Christmas tree, put up a few other decorations, sent out Christmas cards for the first time in years, cleaned the kitchen, and vacuumed the living room throw rug.  Oh, and I Amazon shopped for Christmas gifts (and am still not done) even though I am usually finished with Christmas shopping by Halloween.  Lastly I started binging on shows I DVR’d. Did any of that really HAVE to happen?  Nope.  Well, maybe the Christmas shopping (and I’m still not done). I’m not beating myself up about it though.  I’m scheduling in real time during the week to work on our businesses.  And when I … Read more

We Don’t Escrow, So This Month Hurts to the Tune of $12,250!

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December can be slightly depressing if you are one of those people, like us, who don’t escrow their property taxes.  That means that our monthly mortgage total is always identical but we have to pay our own property tax bills each year.  Escrowing means having the mortgage lender estimate the annual taxes, include that in the monthly payments due, and then change the monthly payment the following year based on whether they over or under estimated previously.  I don’t like inconsistency, so we chose to NOT escrow.  But I pay for that aspect of control by having to watch GOBS and GOBS of money disappear every December.  Granted, we set aside the money throughout the year for exactly this purpose.  It’s not a shocking surprise.  But it still hurt to transfer out $12,250 this year just to pay our home’s HOA dues ($719) and property taxes on two houses in an expensive (aka, nice) school district.  Yep, our net worth just took a $12,250 smack to the face.  I always feel broke right around the day I hand over that hefty, annual chunk of change.  Property Taxes Keep Rising And that payment number is growing thanks to home values ($148k … Read more

Morning Sickness is a Sick Lie

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“Morning sickness” implies you are sick in the mornings.  Guess what?  Every pregnancy is different, but the vast majority of women who get “morning sickness” are NOT just blessed with the morning pukes.  It’s nausea, very much like motion sickness on steroids, which comes and goes ALL day.  Then, depending on your own personal hell pregnancy, you projectile vomit randomly as well.  For me, it’s being physically ill generally at night with some mornings thrown in for fun.  And nausea off and on the entire time I’m awake.  And get this, I’m actually a really lucky pregnant lady.  My friend, Dee, was sick even worse than me for a vast majority of her pregnancy.  And my sister had the kind that starts scaring everybody because you can’t keep enough food down to actually survive without the constant drip of a portable medical pump full of anti-nausea meds.  So yeah, I’m a lucky one and yet, I want to find the person who coined “morning sickness” and punch them solidly in their own stomach after they finish a large meal. Pregnancy Sickness and Personal Finance What does this have to do with personal finance?  I was going to say, “not a … Read more

I’m Pregnant!!!

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We did it!  We got me impregnated with our very own alien baby!  Here’s a pic so you understand my description… Yeppers, I’m a bit more than 11 weeks pregnant today!  Feels like 4th time’s the charm. I’ve been wanting to share every puke-ridden step of the way, and especially during the scary days where it seemed I wasn’t having symptoms at all, but we didn’t want to deal with the drama we had the first time we announced early.  We decided to wait to go public until we had photo proof of life.  This little Peanut is definitely in there.  He or she was moving around like a sea monkey on crack during the whole ultrasound. Frequently Asked Questions Just to get the big stuff out of the way, let’s see if I can cover the most frequently asked questions right here.  1. I’m due in mid-June 2018.  Anything between June 2-29 would be considered full term. 2.  We don’t know if it’s a boy or girl yet, but when they can tell us, we’ll want to know.  I’m pretty sure that won’t be until at least January. 3.  We don’t have any preference when it comes to its … Read more

Great to See My Peeps at #Fincon17!!!

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I’ve been to every Fincon since they started in 2011.  Fincon17 was a big success overall, emphasis on BIG.  1700 people or some crazy number like that.  My personal take was that it was simply too big.  I still truly appreciated my week, but you definitely have to take charge and form your own small groups or you’d get swallowed in the crowds.  Oh, and I learned that a bunch of people only recognize me when I have brightly colored hair – note to self. My Peeps Revanche from a Gai Shan Life, Maria Nedeva from The Money Principle, and Valerie Rind were my pillar peeps this year.  Joe Taxpayer couldn’t make it for the first time and was deeply missed.  It was also great to touch base with long term online friends like Ashley, Sherrian Crumbley, and Khaleef Crumbley.  I also enjoyed getting to know several new people like Elisa, Makenzie, Felicity, and Michael. Connections As Fincon grows, so do the number of vendor booths.  I was able to touch base with several new companies who interest me enough that I’ll be looking into affiliate relationships soon.  I restocked myself with sturdy pens, a couple of bags, and various … Read more

*GULP* I am Management…

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Our team member in Crystal’s Cozy Care Pet Sitting asked for a heavier schedule regularly.  Since we want her to stay with us for as long as she possibly can, we got right on that! We’re basically using October as a test month to see how big of a hit our overall income will take if we fill in her schedule first and just cover a couple of weekday regulars and the few outliers during the busiest times. So far, the experiment is going well.  We are taking a monetary hit, but not as bad as expected.  Plus the decrease in work hours allowed me to catch up on the background parts of running the business, which needed to seriously happen soon anyway. BUT MANAGEMENT AIN’T NO JOKE! Time Management for Management… I honestly thought that having fewer pet sitting jobs would leave me a little extra time to blog or to catch up with chores in our dirty house.  Nope.  All of the extra time has been used on managing the assignments, creating checklists, attending pre-meets, staying in touch with our clients, and doing my side of the record keeping.  Taking time on those tasks has led to more … Read more

Accepting My Current Self

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This is my time of the year. Halloween is my holiday spirit animal, our favorite annual conventions are around the corner, I adore Christmas, we get to chill with family, friends, and food around Thanksgiving through the end of the year, my birthday is in late December, etc. In short, I’m an over-excited hot mess. I’m decking the halls with giant spider webs, jack o’ lanterns, and skulls.  I’m assembling a kick ass costume that I’ll use for Fincon Expo 2017, Halloween, the Renaissance Festival, and the Board Game Geek Convention.  I’ve started hoarding Christmas gifts for others as I see them.  I’m in my seasonal happy spot. Why It’s Harder to Write But during moments of inactivity, I take emotional punches straight to the face.  I dwell.  I dwell on the people that aren’t here anymore.  I dwell on the baby that didn’t happen.  I dwell on my insecurities and short-comings.  I dwell on not being the happier, less wrung-out, younger version of me…the me who started this site back in 2010. I want to be a positive person that others enjoy being around.  I still love helping and aim to make others laugh.  I crave connections.  But it’s … Read more